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Carolina Cooperative routing numbers

Carolina Cooperative's ACH and direct-deposit routing number depends on the U.S. state where you opened your account — find yours in the table below.

Cross-checkedNCUA 5300 Call Reportchecked June 28, 2026
⑆ Routing numbersCarolina Cooperative
Direct deposit & ACHCross-checked

Direct deposit, payroll, and ACH transfers

Depends on your state

3 numbers · NC

Carolina Cooperative uses a different ACH routing number depending on the U.S. state where you opened your account. Find yours in the table below.

Find your state's number
Type
credit union
Headquarters
Charlotte, NC
NCUA charter
24801
NCUA reported assets
$47.3M
All numbers

Every Carolina Cooperative routing number

Lookup tool
3 of 3
Find it yourself

Find your Carolina Cooperative number in your account

Find your Carolina Cooperative routing number

Where to look: a check, online banking, the mobile app.

  1. Look at the bottom-left of a Carolina Cooperative check — the first 9 digits are your routing number.
  2. Or sign in to online or mobile banking and open your account or routing details.
  3. Or call the number on the back of your card and ask for the ABA routing number for your account.
  4. Confirm the number with the bank before using it for direct deposit or a transfer.
Before you send

Check these before you send money

  • Confirm the bank name on the transfer matches Carolina Cooperative.
  • Match the number to the transfer type — ACH and direct deposit use one number, domestic wires another.
  • For wires, double-check the recipient's name and address too.
  • If instructions arrived by email, confirm them on Carolina Cooperative's official site or phone line before sending.
  • No one should ever need your password or full card number to confirm a routing number — that's a scam.
FAQ

Carolina Cooperative routing number FAQ

What is Carolina Cooperative's routing number?

Carolina Cooperative's ACH and direct-deposit routing number depends on the U.S. state where you opened your account — find yours in the table below. The 9-digit routing number identifies the bank on a transfer; your account number identifies you.

Does Carolina Cooperative's routing number depend on my state?

Yes. Carolina Cooperative assigns ACH and direct-deposit routing numbers by the U.S. state where you opened your account. Check the bottom-left of a Carolina Cooperative check, your account details in online or mobile banking, or the routing-number table on this page to find the one for your state. Domestic wires use a single routing number regardless of state.

How do I find my Carolina Cooperative routing number?

Your routing number is the first 9 digits in the bottom-left of a Carolina Cooperative check, or in your online and mobile banking under account or routing details. If anyone asks for your online-banking password or full card number to "verify" a routing number, it's a scam — a routing number alone is public.

Where is Carolina Cooperative headquartered?

Carolina Cooperative is a credit union headquartered in Charlotte, NC.

How does fin.codes check Carolina Cooperative's routing numbers?

Every number passes the standard ABA checksum. 3 are cross-checked against multiple public routing directories. fin.codes is an independent reference, not a bank — always confirm transfer details with Carolina Cooperative before sending money.

Is fin.codes affiliated with Carolina Cooperative?

No. fin.codes is an independent reference and is not affiliated with, authorized by, or endorsed by Carolina Cooperative.

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Independent reference. Not affiliated with, endorsed by, or authorized by any financial institution. Confirm routing or SWIFT details directly with your bank before sending money.